Troy Kimberlin, Loan Specialist
Troy Kimberlin
Loan Specialist
(808) 394-6915

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Troy did a great job for us – he was friendly, answered all of our questions, and was extremely professional. I would and have recommended him to others, he’s that good!

Nicholas S.

I can’t say enough about Troy. He seemed genuinely concerned about what was best for us. Never “salesy” or pushy. He was patient, yet very responsive to our questions! He always kept us up to date with the process, letting us know what paperwork was needed, what the next steps were going to be and a timeline of when things would be completed. Such a smooth process, I can’t believe I’m saying that about refinancing a home, but it really was!

Gary P.

Troy was amazing. I never felt any pressure from him whatsoever, but always felt that he was there for me. He kept us up to date with the rates and what they were doing. He was very responsive to all communication and just a joy to work with!

Janelle P.

Anyone who has experienced refinancing a mortgage will agree that the effort demands your complete attention to accuracy. If you’re as inexperienced as I am, having Troy on your team as coach makes you an instant winner!

Frederick C.

Troy listened to our needs. Troy was very prompt with follow up phone calls, questions via text, and emails any time I needed information. He made himself available to us, provided clear information, and it felt like he was on our team. We highly recommend Troy and Hawaii Mortgage Experts.

Aaron K.

Troy is very knowledgable, timely, & very hard working. Troy is a great Loan Specialist who has helped us achieve our goals twice. We definitely recommend Troy & HME as The Mortgage Experts! Thank You!

Celeste M.

service was exceptional and very easy to complete my loan !

Paul R.

Troy was very responsive, professional and comprehensive throughout the entire process. He is a true and compassionate professional. Our family would recommend his services to anyone in Hawaii!

Rodney C.

Troy was very helpful, patient, and respectful. Although we communicated most by phone, Troy still managed to get everything done and finish the job. I am very satisfied with the outcome and services that Troy provided me with!! Thank you Troy.

Clara G.

Troy explained the process in detail. Even when we felt there were setbacks, he reassured us and helped us get what we needed. It was smooth and convenient with ease of access to do all paperwork right from home. Mahalo!

Barnabas S.

Our overall experience was nothing less than exceptional from the beginning to the end. Troy Kimberlin, our Loan Specialist, was there for us every step of the way! We would definitely recommend him to our family and friends! Thanks Troy! Aloha!

Rogelio R.

Troy gave me all the information I asked and more. He made me feel comfortable, and I am happy about my refinance.

Adam W.

I was introduced telephonically to Troy regarding a refinance of my mortgage. I was working with Quicken Loan however, after speaking to Troy and presenting money savings with my refinance, I opted to change to the HME. Troy saved me over $400 per month on my new mortgage payment. I also save “tons” of money for closing costs and so forth and got some money at the closing.

Teddy T.

Troy provided outstanding customer service throughout our entire re-finance process. His professionalism, knowledge, and communication skills led to a quick and worry free close. We recommend Troy and his team with the highest confidence that they will get the job done for you!

Cody R.

Troy did his work in a very timely manner, good job!

Stanley S.

Troy was very helpful throughout the refinancing process. He was always happy to take the time to explain in detail all of the aspects of the refinance process and was able to complete my refinance within 2 weeks. I’m very happy with Troy and his team and would not hesitate to work with him in the future.

Christopher P.

Troy was very attentive to our needs, answered all of our questions promptly, and was readily available via phone or email. He kept in touch with us throughout the entire process, ensuring for a smooth and quick transaction. Moreover, everything was done for us AT OUR CONVENIENCE. One of the easiest mortgage transactions we’ve ever been through! Mahalo for all of your help!

Denise C.

Troy is awesome! He was there helping us every step of the way and went over and beyond to help us. I am so happy we got to work with him. He is very thorough, courteous, and always on top of things. Great person to work with all around with lots of aloha and understanding. I can’t imagine working with anyone else.

Albert N.

Troy has excellent customer service. He explained each step of the refinance process very well. When there were questions that I had, he answered them and put my mind at ease. Overall, the experience was an A+! Thanks!

Elizabeth B.

Tony and Troy worked very hard to push this mortgage through. Between the complexity of our property situation, and the stringent qualifying hurdles in today’s refinance market, it was a serious struggle to succeed in getting finished. HME was there for us at every turn of events. I couldn’t have made it without their tireless and cheerful efforts.

Charlies R.

NMLS: 1201478

Here at Hawaii Mortgage Experts I work with numerous local and mainland lenders to get you the best rates possible! I pull your credit one time and compare your options with all our lenders to get you the best rate possible. Whether you’re purchasing a new home, looking to refinance into a lower interest rate or taking cash out to pay some bills I work hard to find you the absolute best rates on the island! Why hurt your credit score by having your credit pulled by banks when I can pull it once and shop around for you? Best of all – I’m paid by our lenders so I will never charge you for any work I do. Click the Apply Now link to provide the information I need to get you quotes today. Looking for a more personable experience? Give me a call or email and we can talk story or meet – 808-394-6915